Cash-Out Refinance

Access the equity in your vehicle by refinancing for more than you owe and receiving the difference as cash. Use funds for debt consolidation, major expenses, or building savings — without selling your car.

Borrowers must own their vehicle outright or have paid down a significant portion of their existing auto loan. Lenders evaluate credit score, income, vehicle value, and loan-to-value ratio. Requirements vary by lending partner.

Rates vary by lending partner and borrower profile. Typically lower than personal loan or credit card rates. Fixed-rate options available. Flexible loan terms. No down payment required on the cash-out portion.

Vehicle owners with equity in their car who want to access funds for debt consolidation, emergency expenses, or major purchases at rates lower than personal loans or credit cards.

Autopay is a registered trade name. Loans are originated by lending partners subject to their own licensing and regulatory requirements. Average monthly savings is calculated by using the average monthly payment savings for our customers from November 1,2025 to April 30, 2026. Most competitive rates are for well-qualified borrowers. Rates are subject to change and may not be available in all states. Customers must meet income qualifications, debt to income requirements and other vehicle restrictions such as loan to value, age, and mileage.

This content was generated by the Banks.com content agent from publicly available sources and is presented without editorial bias.